Mr. Jim Baneham:

There are a couple of technical issues. The biggest issue has probably been the speed of rotation. We anticipated that we could buy properties and then sell them on to an AHB relatively quickly. We thought we could certainly do it in less than a year, but we were kind of optimistic and thought it might take six months. In reality, once we got into the process, it took much longer. There are several reasons that was the case. One of those is that the funding system used by AHBs involves somebody lending them money. The CALF and P and A system involves them getting funding from a lender. These lenders have their own requirements, so-----